Summer Enrollment

2025 Employee Benefits Open Summer Enrollment Dates:
July 7-18, 2025 for all UNT, HSC, UNT Dallas, and UNT System Administration employees. 

Changes You Can Make During Summer Enrollment

• Enroll, change or waive benefit elections for medical, dental and vision plans.
• Opt out of medical coverage (an opt out credit may apply)
• Add or drop eligible dependents
• Enroll, change or waive TexFlex elections
• Apply for Short-Term/Long-Term Disability Insurance, Optional Term Life and Dependent Term Life Insurance (Evidence of Insurability is required) 

Some of the Changes for Plan Year 2026 Include: 

Healthcare Insurance  - HealthSelect of Texas and Consumer Directed HealthSelect premiums for dependents and part-time employees will increase by 8%. With the exception of plan out-of-pocket maximums increasing to match new IRS limits, plan benefits will not change. More information regarding the increase and other related information can be found by clicking this link: https://www.ers.texas.gov/PDFs/Summer-Enrollment/2026-summer-enrollment/py26-whats-new-premium-increase-handout. Also, please remember that if you are a 9-month employee who has not elected salary spread, you must check the 9-month box when selecting or making any changes to your HSA contributions to ensure correct monthly deductions from your paychecks.

Dental Insurance - ERS has reported that State of Texas Dental Choice Plan premiums will increase by 8%. DeltaCare USA dental health maintenance organization (DHMO) premiums will stay the same.  ERS has reported no changes to providers or coverages. 

Vison Insurance  - State of Texas Vision premiums will increase by 10%. ERS has reported no changes to providers or coverages. 

Texas Income Protection Plan Disability Insurance - Long-term disability rates will decrease from $0.68 to $0.63 per $100 of monthly salary. Short-term disability premiums will not change. 

TexFlex Healthcare and Dependent Flexible Spending Account - The IRS establishes the maximum annual limits applicable to flexible spending accounts and carryover amounts. For plan year 2026 (September 1, 2025 to August 31, 2026), participants with a healthcare or limited-purpose FSA can contribute up to $3,300 (up from $3,200), and the carryover amount is increasing to $660.  Funds up to $660 not used by August 31, 2026 will roll forward to the next plan year. Dependent Care maximum contribution limits will remain the same at $5,000. Highly compensated individuals based on IRS definitions who elect the TexFlex Dependent Care FSA may be subject to a lower Dependent Care FSA maximum. Also, please remember that if you are a 9-month employee who has not elected salary spread, you must check the 9-month box when selecting or making any changes to your TexFlex or other FSA contributions to ensure correct monthly deductions from your paychecks.

More information regarding these and other Plan Year 2026 changes can be found by clicking the following link: https://www.ers.texas.gov/PDFs/Summer-Enrollment/2026-summer-enrollment/py26-se-active-guide .

Also, you can view all Plan Year 2026 rates by clicking the following link: https://www.ers.texas.gov/PDFs/rates-py26/py26-rate-sheet .

Frequently Asked Questions (FAQs)

What is Summer Enrollment?

Summer Enrollment is an annual event that allows employees to make changes to their health insurance and optional insurance coverage for the new plan year.  Changes made during this Summer Enrollment period will be effective September 1, 2025 for Plan Year 2026 (September 1, 2025 thru August 31, 2026).  Premium and other changes will be reflected on your October 1, 2025 paycheck (September 15, 2025 for semi-monthly payroll). 

What if I don’t want to make any changes to my benefits or dependents during Summer Enrollment?

No action is required if you do not want to make any changes to your benefits or dependents during Summer Enrollment 2025.  Your current benefit and dependent elections will simply roll forward to the new plan year on September 1, 2025.  Although, we highly recommend that all employees log into their ERS account or call ERS to verify their contact and beneficiary information, as well as reconfirm their benefit and dependent elections and make any needed changes while you have the chance during Summer Enrollment.  

Where can I get information on upcoming Summer Enrollment webinars and how do I register?

Employees can obtain more information about the Summer Enrollment process, information regarding benefits, and upcoming changes by attending one of the Summer Enrollment webinars offered by ERS and one of multiple webinars offered by each of the benefit providers.

You may register for any of the above listed webinars and obtain information regarding ERS hosted Summer Enrollment Fairs by clicking this link: https://ers.texas.gov/Event-Calendars.  Also, please note that ERS has stated that they plan to post links to recorded webinars within approximately 10 business days of the event.  As customary, your UNT System Benefits Team will be on the lookout for the webinar recordings and is planning to post links as they become available so that employees can access and view at their convenience.

Qualifying Life Events

Important note: If you experience a Qualifying Life Event (“QLE”) at any time during Summer Enrollment, especially during the 2025 scheduled blackout period of between June 20 and August 31 you must update your benefit elections on or within 30 days after your qualifying life event by either calling ERS at 877-275-4377, TTY 711, Option 7 for Spanish (Opcion Siete (7) en Espanol) or by completing a Benefits Election Formand forwarding to HRbenefits@untystem.edu. Employees are encouraged to obtain a written confirmation from either ERS or the UNT System Benefits Team regarding changes. Also, please note that ERS is known to change the scheduled blackout period dates, so employees are highly encouraged to verify with either ERS or a UNT System Benefits Team member if a blackout period is occurring at any time during the months of June thru September.  

Examples of Qualifying Life Events are:

Where can I get even more information? 

In addition to attending webinars, employees can obtain additional information by:

• Visiting the ERS Summer Enrollment Website
• Review the ERS Summer Enrollment Active Employee Guide
• Review one of the following recorded webinars - to be updated as recorded webinars become available.
• Call ERS at 1-877-275-4377, TTY 711, Option 7 for Spanish (Opcion Siete (7) en Espanol)
• Contact ERS
• Email HR Benefits Team